Investing in Treasury Bills (T-Bills) through United Bank for Africa (UBA) is one of the safest ways to grow your wealth in Nigeria. Backed by the Federal Government, T-Bills provide low-risk, tax-free returns for individuals and businesses looking for short-term investment options.
If you’re looking for the latest UBA Treasury Bills rates today, this guide will provide you with:
✅ Current Treasury Bills rates
✅ How to invest in Treasury Bills through UBA
✅ Minimum investment amounts
✅ How to calculate your expected returns
✅ Why T-Bills are an excellent investment choice
💡 Want to calculate your Treasury Bills earnings instantly? Use our free Treasury Bills Calculator to estimate your returns before investing!
UBA Treasury Bills Rates Today
The Central Bank of Nigeria (CBN) determines Treasury Bills rates based on market demand and economic conditions. Below are the latest Treasury Bill rates available through UBA:
| Treasury Bill Tenor | Discount Rate | Interest Rate |
|---|---|---|
| 91-Day (3 months) | 26.1550% | 27.9849% |
| 182-Day (6 months) | 25.0874% | 28.6856% |
| 364-Day (1 year) | 23.2954% | 30.3703% |
📌 Note: These rates fluctuate based on CBN auction results. Always confirm with UBA before making an investment.
💡 Want to check how much you’ll earn? Use our Treasury Bills Calculator to estimate your potential earnings!
How to Invest in Treasury Bills Through UBA
UBA offers Treasury Bills investment through two methods:
1️⃣ Primary Market (CBN Auction – For Large Investors)
✔ Buy directly from CBN’s bi-weekly auctions.
✔ Minimum investment: ₦50 million.
✔ Best suited for institutional investors and high-net-worth individuals.
2️⃣ Secondary Market (For Smaller Investors)
✔ Buy from UBA’s secondary market in smaller amounts.
✔ Minimum investment: ₦100,000, with increments of ₦1,000.
✔ Best for retail investors who can’t afford ₦50 million upfront.
💡 Don’t have ₦50 million? You can still invest in T-Bills through the secondary market! Use our Treasury Bills Calculator to check potential returns.
Step-by-Step Guide to Buying Treasury Bills at UBA
Step 1: Open an Investment Account
To buy T-Bills through UBA, you need:
✔ A UBA bank account
✔ A CSCS (Central Securities Clearing System) account (for secondary market trading)
Step 2: Decide on Your Investment Amount
✔ Primary Market Minimum: ₦50 million
✔ Secondary Market Minimum: ₦100,000 (in multiples of ₦1,000)
💡 Not sure how much to invest? Use our Treasury Bills Calculator for instant calculations!
Step 3: Select Your Tenor (Investment Duration)
✔ 91-day (3 months)
✔ 182-day (6 months)
✔ 364-day (1 year)
📌 Longer tenors generally offer higher returns!
Step 4: Submit Your Application
✔ For Primary Market purchases:
- Fill out the CBN Treasury Bills Auction Bid Form.
- Ensure your account is funded before the auction date.
✔ For Secondary Market purchases:
- Submit an instruction letter to UBA stating the amount and tenor.
- Work with your UBA relationship manager to finalize the transaction.
Step 5: Fund Your Investment
✔ Transfer the required funds from your UBA bank account.
Step 6: Receive Your Treasury Bill Certificate
✔ Confirms your investment details, including:
- Amount invested
- Interest rate
- Maturity date
💡 Want to estimate your earnings before investing? Use our Treasury Bills Calculator for accurate calculations!
Example: How to Calculate Treasury Bills Returns
Let’s say you want to invest ₦1,000,000 in a 364-day Treasury Bill at a discount rate of 23.2954%.
Step 1: Calculate the Discounted Purchase Price
📌 ₦1,000,000 ÷ (1 + (23.2954/100)) = ₦811,000.00
Step 2: Calculate Your Profit
📌 ₦1,000,000 – ₦811,000.00 = ₦189,000.00
💰 At maturity, you receive ₦1,000,000, making a profit of ₦189,000.00.
📌 Don’t want to calculate manually? Use our Treasury Bills Calculator for instant results!
Benefits of Investing in Treasury Bills with UBA
✔ Zero-Risk Investment – Backed by the Nigerian government, ensuring no risk of losing money.
✔ High Returns – Earn up to 30% per year, better than savings accounts.
✔ Tax-Free Earnings – Unlike other investments, T-Bill profits are not taxed.
✔ Short-Term Gains – Options of 91, 182, and 364 days allow quick returns.
✔ Easy to Sell – Can be sold before maturity in the secondary market.
✔ Use as Collateral – T-Bills can be used as security for loans from UBA.
💡 Want to compare Treasury Bills with other investments? Use our Treasury Bills Calculator today!
Costs and Fees for Treasury Bills Investment at UBA
UBA charges the following fees when you invest in Treasury Bills:
✔ Commission: ₦100 flat fee
✔ Withholding Tax: 10% on the interest earned
✔ Custody Fees: 0.1% of the face value per annum
📌 Always check with UBA for updated fees before investing.
Final Thoughts – Should You Invest in UBA Treasury Bills?
✅ Yes! Treasury Bills are one of the safest and most profitable investments in Nigeria. With rates as high as 30.37%, now is the perfect time to invest and grow your money risk-free.
📌 Before investing, check the latest rates and calculate your expected earnings using our Treasury Bills Calculator.